Factors Affecting Slow Adoption and Low Usage of Mobile Banking in Ethiopia
| dc.contributor.advisor | Mesfin, Fikre (PhD) | |
| dc.contributor.author | Tigist, Tigre | |
| dc.date.accessioned | 2018-10-09T08:31:24Z | |
| dc.date.accessioned | 2023-11-19T09:08:01Z | |
| dc.date.available | 2018-10-09T08:31:24Z | |
| dc.date.available | 2023-11-19T09:08:01Z | |
| dc.date.issued | 2018-06 | |
| dc.description | A Research Submitted In Partial Fulfillment of The Requirements for the Degree of Masters in Business Administration | en_US |
| dc.description.abstract | This paper explores factors affecting slow adoption and usage of mobile banking in Ethiopia. The objective of the study was investigating factors affecting adoption and usage of mobile banking. The study was conducted on AAU graduate EMBA students and exploratory research design was employed in the study. The sample size for the research comprised 108 AAU graduate EMBA students, due to small number of target population a census was carried out. Data were collected through use of questionnaire; an open ended questionnaire was designed to collect data. The return rate of questionnaire was 100%. Data was analyzed by open coding method. Conclusions were made and the result of the study indicated that, the major barriers Ethiopian banking industry faces in the adoption and usage of mobile banking are infrastructure, awareness, security, literacy, trust, perceived cost ,legal frame work, advertisement ,business model ,monopoly power of Ethio telecom ,Government support on ICT and demography. Lastly the Mobile banking service was found to possess relative advantages in comparison to traditional banking services. Such advantages included accessibility, saving of time, less cost, privacy and comfort. Consequently, the researcher suggests a series of measures which could be taken by the banking industry and by government to address various challenges identified that the bank undertake an aggressive marketing campaign to make customers aware of the service. The banks need to build the confidence of their customers. To prevent loss of personal/account information the bank should ensure that their system is secure to prevent hacking. There is a need to change the customer’s perception through a well-structured advertisement and staff interaction in order to make them realize that the service is safe to use. Government should emphasis on supporting national ICT research and training center. Government should also facilitate condition for new entrants to the telecom business. | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/12345678/12501 | |
| dc.language.iso | en | en_US |
| dc.subject | Commercial banks in Ethiopia | en_US |
| dc.subject | Mobile banking | en_US |
| dc.subject | TAM | en_US |
| dc.title | Factors Affecting Slow Adoption and Low Usage of Mobile Banking in Ethiopia | en_US |
| dc.type | Thesis | en_US |